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Oracle将分类账与SWIFT集成,助力银行实现代币化存款与支付的融合

2026-09-29 20:14:58
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Oracle 宣布与 SWIFT 区块链账本实现新集成,助力银行统一管理传统支付与代币化存款

Oracle(甲骨文公司)近日宣布了一项新的集成方案,将其技术与基于区块链的 SWIFT 账本平台相连接。这一举措使得银行和金融机构能够在单一的操作框架内,将现有的支付系统与代币化存款系统打通。该 developments 使银行能够同时管理传统数字支付流,并在保留对存款基础设施完全控制权的前提下,实现高效运营。

SWIFT 账本进入全球银行试点阶段

作为全球领先的金融信息服务提供商,SWIFT 于今年七月表示,其账本平台已准备就绪,可进行初步部署。据该机构透露,来自六大洲的 17 家银行正在准备使用代币化存款进行试点交易。

这套基于区块链的 SWIFT 系统设计旨在提供全天候(24/7)的跨境支付服务,以解决由传统结算窗口期导致的持续流动性约束问题。此外,该平台还被定位为未来支持可编程货币及其他受监管数字资产的底层基础设施。

SWIFT 将这一新账本视为构建“随时可用”的全球支付网络的基础,有望推动可编程货币及受监管数字价值形式的进一步发展。

Oracle 技术搭建传统银行系统与新型数字账本的桥梁

作为主要的企业软件提供商,Oracle 在此次集成中发挥了关键作用。大多数银行并不打算废弃或重建其整个支付基础设施,而是寻求一种更平滑的过渡方式。Oracle 的解决方案旨在充当桥梁,将传统的支付通道连接到 SWIFT 区块链账本,从而帮助银行更顺畅地进入数字资产管理领域。

这一整合凸显了一个重要趋势:成熟的技术合作伙伴正协助金融机构在不影响业务连续性的前提下,对其核心支付系统进行现代化改造。

术语解析:SWIFT

SWIFT(环球银行金融电信协会)是一个连接全球银行和金融机构的合作组织,为安全的国际支付和结算提供标准化的消息服务。

Ripple 与传统银行的互操作性探索

Oracle 与 SWIFT 的合作对于 Ripple 而言具有新的意义。Ripple 是一家知名的金融科技企业,以提供全球支付解决方案而闻名。长期以来,SWIFT 和 Ripple 被视为竞争对手,因为双方都致力于改善跨境价值转移并缩短机构的结算时间。

Ripple 的业务范围已远远超出基于 XRP 的支付,目前还提供托管服务、RLUSD(该公司推出的新型稳定币)、 treasury management(财库管理)以及主经纪商服务。这些扩展举措使 Ripple 更深入地参与到传统银行正在推进的基础设施现代化进程中。

Characteristics SWIFT ledger Ripple Platform Main Purpose Inter-bank communications, tokenized deposits Cross-border payment, custody, online finance Asset Type Traditional and Tokenized Deposits XRP, RLUSD, fiat currencies, tokenized assets Programmable currency Potential future support Developing and supporting programmable assets Bank Integration Through Oracle and Partner Technology APIs and interoperability with SWIFT

At the same time, the relationship between Ripple and traditional banking systems is increasingly collaborative. Ripple Payments supports seamless SWIFT interoperability, allowing financial institutions to integrate blockchain settlements into existing bank communication protocols rather than completely replacing them.

Ripple's strategy focuses on integration with existing banking infrastructure to help banks adopt blockchain settlement technology alongside traditional systems by providing support for SWIFT interoperability.

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